Earn interest on this unique savings account whiles having the freedom to conveniently transact on it

Benefits

• Enjoy great multi-tiered interest rates calculated daily and credited monthly
• Enjoy zero monthly service fees
• 24/7 access to your account through online and mobile banking

Features

• You receive free eStatements daily, weekly or monthly depending on your preference.
• Enjoy a wide range of Visa Card products that allow for point of sale (POS) and online transactions worldwide.
• You get a Cash Withdrawal Book with this savings account and have a maximum of 4 withdrawals over the counter per month.
• Initial account opening balance of GHS100 and minimum account operating balance of GHS100.

Savings Interest Rates

• Application Eligibility
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

A special Savings Account that has a cheque facility suited for business owners and salaried workers

Benefits

• Enjoy great multi-tiered interest rates calculated daily and credited monthly
• Enjoy zero monthly service fees
• 24/7 access to your account through online and mobile banking

Features

• You receive free eStatements daily, weekly or monthly depending on your preference.
• Enjoy a wide range of Visa Card products that allow for point of sale (POS) and online transactions worldwide.
• You get a cheque book with this savings account and have maximum of 2 withdrawals over the counter per month.
• Initial account opening balance of GHS1,000 and minimum account operating balance of GHS500.

Savings Interest Rates

Eligibility & Documents

• Application Eligibility
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

A savings account that helps you build funds for your children till they attain age 18

Benefits

• Enjoy great multi-tiered interest rates calculated daily and credited monthly
• Enjoy zero monthly service fees
• 24/7 access to your account through online and mobile banking

Features

• You receive free eStatements daily, weekly or monthly depending on your preference.
• To encourage savings and minimize withdrawal of your child’s savings.
• Initial account opening balance of GHS200 and minimum account operating balance of GHS100.
• Maximum of 2 withdrawals per year and no ATM card issued on this account.

Savings Interest Rates

Eligibility & Documents

• Application Eligibility
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

Our unsecured loans help you meet your personal financing requirements

Benefits

• Enjoy 60 months flexible repayments period
• Get 24/7 access to your account through online and mobile banking
• Get High loan amount up to GHS350,000 with no security required

Features

• Flexible Long Tenure: Ease your financial management with our convenient repayment schedule of up to 6 years.
• Loan Protection Insurance: Credit Life Insurance covers you in case of death, leaving your relatives obligation free.
• Smart Scheme Personal Unsecured Loan: Unsecured loans that helps you in buying a brand new car, paying fees for your post-graduate degree or paying for your child’s school fees.
• Smart Credit: If your salary is paid through a
• Standard Chartered Bank account you could be eligible to take this loan.p to GHS350,000 with no security required

Eligibility & Documents

• Application Eligibility
  • Net minimum salary of GHS1,000
  • Salaried worker
• Documents Required
  • Completed application form
  • ID – Important Information Document
  • Passport / Driver’s Licence / National Identification Card / Voters ID
  • Most recent salary slip
  • Bank statements for the last 3 months
  • Letter of Undertaking required

Get access to extra cash to meet your day to day working capital and business expansion

Benefits

• Get up to US $1 million maximum loan facilty
• Enjoy Flexible repayment options
• Enjoy Fast lending solutions to address your cash or expansion needs

Features

• Structured Form Of Borrowing: Term Loans are a structured form of borrowing intended to finance specific transactions or assets.
• Short Term Loan: This is a contract between a borrower and the Bank where the customer is provided a loan amount either in local or foreign currency for a period not exceeding one year. Interest is charged on the individual drawings made under the loan at a rate agreed at the time of the drawing.
• Medium Term Loan: This is a contract between a borrower and the Bank whereby the Bank provides the borrower with an amount, for a period in excess of one year and up to 5 years. The principal and interest are paid over the tenor of the loan as per the agreed terms.
• Long Term Loan: This is a contract between a borrower and the Bank where Standard Chartered Bank provides the borrower with an amount in local currency for a period in excess of 5 years and up to 15 years. Principal and interest will be repaid over the tenor of the loan as per the agreed terms.

Our total trade solutions will assist you through the complexity of international trade

Benefits

• Get up to US $1 million maximum loan facilty
• Enjoy Flexible repayment options
• Enjoy Fast lending solutions to address your cash or expansion needs

Features

• Extensive network: Build your business by leveraging on our extensive international network that spans over 30 countries.
• One Stop Shop For All Trade Services: Provide a holistic import and export solutions to manage your business.
• Dedicated Specialists: A dedicated Relationship Manager to cater to your needs.
• Export Services: Get export services like Credit bills negotiation, Letter of credit confirmation and Bill discounting.
• Import Services: Enjoy import services like Letter of credit, Custom bonds and guarantees and Invoice financing.

We offer customised overdraft facilities to meet your working capital and short term funding needs

Benefits

• Helps to Manage your daily cash needs
• Get up to US $1 million maximum loan facilty
• Enjoy Flexible repayment options

Features

• Finance Your Day-To-Day Cash Flow Requirements: Borrowing facility repayable on demand, made available in connection with a current account for short-term.
• Flexible Form Of Borrowing: Overdrafts are a flexible form of borrowing for short-term rather than long-term financing for which other, more appropriate credit lines are available.

Our unsecured loans help you meet your personal financing requirements

Benefits

• Earn high Points through 360° Rewards programme.
• Earn points on every GHS spent
• Up to 50 days interest free
• Get up to 2 supplementary cards for free without annual charges

Features

• Supplementary Cards: Get a maximum of 5 supplementary cards on your account.
• High Credit Limits: Get limits of up to GHS100,000 per card.
• Cash Advance: Withdraw up to 30% of your credit limit when needed.
• Worldwide Recognition: Your Standard Chartered Credit Card is welcomed in more than 23 million establishments, in more than 200 countries.
• Transaction Tracking And Repayments: View transaction details and make payments for your credit card via online banking, Cash Deposit Machines and ATMs, SC mobile, via transfers and through our branches.
• Complimentary Services: Free legal multilingual interpreter and medical referral services.
• Other Support Services: Emergency cash disbursement, telephone medical advice, inoculation and visa requirement information.
• Making Repayments: Settle your credit card bill through the Internet banking or mobile banking platform, a standing instruction or by visiting any of our branches.
• Standing Instructions: You can choose a standing instruction to debit your bank account for the minimum amount due or the total amount due on your credit card.
• Fraud Alert: Will alert you of any unusual card activity giving you added security.

Eligibility & Documents

• Age Requirement:
  • Primary Cardholder: 21+yrs
  • Supplementary Cardholder: 16+yrs
• Criteria:
  • Personal: Salaried Workers and Self Employed Professional (minimum monthly net income of GHS22,500). Client can be either New to Bank or Existing to Bank
  • Priority: Asset Under Management, Self Employed Persons, Self Employed Professionals. Client must be Existing to Bank
  • Secured: All clients (minimum of GHS2,300 to be held as security). Client can be either New to Bank or Existing to Bank and should be in the Priority Segment
  • Corporate Guaranteed: Per nomination from the employer
• Documents Required
  • Existing Account Holder:

Application Form
Terms of Agreement
Proof of income (current)
Current Identity Document (where applicable)

• • New-To-Bank Salaried Client:

Application Form
Terms of Agreement
Proof of income (current)
Valid Identity Document
Statement from the previous bank

• • Secured Credit Card Applicants:

Application Forms: Duly completed
Terms of Agreement
Letter of Set-off
Authority to place lien

When your work or leisure takes you to places, you want your card to be international too

Benefits

• Earn high Points through 360° Rewards programme. Earn points on every GHS spent
• Free lounge access to 1,000+ airports world wide
• Up to 50 days interest free

Features

• High Credit Limits: Get limits of up to GHS100,000 per card.
• Transaction Tracking And Repayments: View transaction details and make payments for your credit card via online banking, Cash Deposit Machines and ATMs, SC mobile, via transfers and through our branches.
• Dedicated Website: The Infinite card comes with a dedicated website club.
• Concierge Services And Lounge Access: Download the loungeKey app to know available lounges and track your visit history.
• Cash Advance: Withdraw up to 30% of your credit limit when needed.
• Supplementary Cards: You can access up to 5 supplementary cards on your account. You are not charged annual fees on the first 2 supplementary cards.
• Worldwide Recognition: Your Standard Chartered Credit Card is welcomed in more than 23 million establishments, in more than 200 countries.
• Reservation And Information Services: Reservation and information for Air travel, hotels, international apartment, chauffeur-driven car service, airport transfer service, car hire service etc.
• Travel Insurance: Full multi-trip travel insurance for 90 days.
• Complimentary Services: Free legal multilingual interpreter and medical referral services.
• Support Services: Emergency cash disbursement, telephone medical advice, inoculation and visa requirement information.
• Information On Other Services: Package holidays information service, rail and ferry information service, travel and health advice, insurance queries and currency advice etc.
• Online Fraud Protection: Cardholders receive purchase protection and extended warranty guarantees.
• Entertainment And Leisure: International dining, golf course information service, yacht chartering and event ticketing service.

Eligibility & Documents

• Age Requirement:
  • Primary Cardholder: 21+yrs
  • Supplementary Cardholder: 16+yrs
• Criteria:
  • Personal: Salaried Workers and Self Employed Professional (minimum monthly net income of GHS22,500). Client can be either New to Bank or Existing to Bank
  • Priority: Asset Under Management, Self Employed Persons, Self Employed Professionals. Client must be Existing to Bank
  • Secured: All clients (minimum of GHS2,300 to be held as security). Client can be either New to Bank or Existing to Bank and should be in the Priority Segment
  • Corporate Guaranteed: Per nomination from the employer
• Documents Required
  • Existing Account Holder:

Application Form
Terms of Agreement
Proof of income (current)
Current Identity Document (where applicable)

• • New-To-Bank Salaried Client:

Application Form
Terms of Agreement
Proof of income (current)
Valid Identity Document
Statement from the previous bank

• • Secured Credit Card Applicants:

Application Forms: Duly completed
Terms of Agreement
Letter of Set-off
Authority to place lien

Personal line of credit is an efficient and convenient way of meeting all your short-term liquidity needs

Benefits

• Get Fair pricing markup charged only on the amount and number of days utilised
• Get up to 90% financing of your collateral value
• Experience Easy access to cash withdrawals from all our 30 ATMs across Ghana

Features

• Financing Cover Financing up to maximum of 70% for securities and 90% for fixed deposits.
• We offer the most competitive interest rates in the market. So you earn substantial returns on your investments and avail Personal Line of Credit facility to balance out your cash needs.
• Great Limits With the Personal Line of Credit you get financing up to 90% of your collateral value.
• Approved Collaterals: Fixed Deposits maintained with standard chartered bank and other investments like Bonds, Treasury bills and Mutual funds

Eligibility & Documents

• Age between 18-65 years old
• Valid Ghana mobile number

We offer customised overdraft facilities to meet your working capital and short term funding needs

Benefits

• Enjoy Flexible Repayment Method
• Enjoy High financing up to 80% of the property’s purchase price
• Get Access to additional funds for your business using your property

Features

• Extensive Property Coverage: Commercial Units, Industrial Units, Shop-houses and Residential Units.
• Simple Hassle Free Application Process: We have simplified the documents you need you need to produce with your facility application so that you can focus on building your business.
• Flexibility With A Business Current Account: Repay your loan and withdraw money directly from the current account.
• Access To Straight2Bank: Access to Straight2Bank (online banking facility).

Eligibility & Documents

• Application Eligibility
  • Sole proprietorships, Partnerships or Private Limited Companies
  • Business registered in Ghana
  • Minimum 3 years of business operations
• Documents Required
  • ID or Passport of all directors/shareholders/guarantors
  • Board of Directors’ resolution
    Memorandum & Article of Association (or Constitution)
  • Certificate of incorporation/registration
  • Latest 6 months bank statements of main operating account
  • Latest audited financial statements (if applicable)
  • More details to be provided by the sales officer

A business account that offers attractive interest rate, ideal for business with excess funds

Benefits

• Get Free unlimited access to your account anywhere through Straight2Bank
• Enjoy preferential Pricing on transactions charges via Straight2Bank
• Earn High interest on depositInitial Opening Balance: Initial opening balance of GHS4,000.
  Cheque Book: Customized cheque book.
• Tighter Security And Control: Gain more security and control over your transactions and processes.
• Free Online Banking Services: Free eStatements, online banking facility and E-Alerts on your account.

A business account that offers attractive interest rate, ideal for business with excess funds

Benefits

• Get Free unlimited access to your account anywhere through Straight2Bank
• Enjoy preferential Pricing on transactions charges via Straight2Bank
• Available in Multiple currencies such as GHS, USD, GBP and Euro

Features

• Dedicated Specialist: A dedicated relationship manager to support to build your business.
• Tighter Security: Gain more security of funds for lost/stolen cheques through stop payments.
• Straight2Bank: Online banking platform designed for all your business transactional needs. Straight2Bank internet banking offered on request.
• Minimum Account Opening Balance: Minimum account opening balance of GHS4,000.
  Cheque Book: Operated by use of cheques.
• Monthly Service Fees: Subject to monthly service fee.
  Ease Of Operating Account: Account holders can appoint known agents to operate account.
• Flexible Payment Options: Ease of payments by use of cheques and standing orders and receiving payments through account.

A complete solution for your day-to-day transaction needs, access to loans and other Credit facilities

Benefits

• Get 24/7 access to your account through online and mobile banking
• Access to credit such as Personal Loans, Credit Cards and Overdrafts
• Enjoy ease of bill payment on SC Mobile

Features

• Enjoy a wide range of Visa Card products that allow for point of sale (POS) and online transactions worldwide.
• Fixed monthly fees and discounted transfer fees when you use our Online and mobile Banking platforms. T&C apply.
• You get a cheque book with this account.
• Initial Account Opening Balance of GHS100 and Minimum Account Operating Balance of GHS100.

Eligibility & Documents

• Application Eligibility
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

A Current Account that allow you to manage your funds without visiting the branch

Benefits

• Get 24/7 access to your account through online and mobile banking
• Enjoy zero monthly service fees
• Enjoy ease of bill payment on SC Mobile

Features

• You receive free eStatements daily, weekly or monthly depending on your preference.
• Enjoy a wide range of Visa Card products that allow for point of sale (POS) and online transactions worldwide.
• Cash withdrawals are restricted to the ATM.
• Initial account opening balance of GHS20.

Eligibility & Documents

• Application Eligibility
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

Keep and grow your foreign currency in US dollar, Pound sterling or Euro

Benefits

• Borrow up to 70% of your Foreign Current Account balance at normal rates
• Access Offshore FX investments such as Mutual
• Funds and Bonds with this account
• Get 24/7 access to your account through online and mobile banking

Features

• You receive free eStatements daily, weekly or monthly depending on your preference.
• Enjoy a wide range of Visa Card products that allow for point of sale (POS) and online transactions worldwide.
• You get a cheque book with this account.
• Initial opening balance is USD500, Euro300, GBP250 and No Minimum Operating Balance

Eligibility & Documents

• Application Eligibility
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

Bespoke banking solutions for hard-working women with dreams and ambitions

Benefits

• Enjoy Great Interest Rates on balances of GHS10K and above
• Get 24/7 access to your account through online and mobile banking
• Enjoy Ease of making payments worldwide with the wide range of Visa cards

Features

• You receive free eStatements daily, weekly or monthly depending on your preference.
• Fixed monthly fees and discounted transfer fees when you use our online and mobile banking platforms. T&C apply.
• You get a cheque book with this account.
• Initial account opening balance of GHS1,000.
• Invitation To Exclusive Event: Lifestyle events, financial seminars and events geared towards enhancing personal development and advancement of women.

Eligibility & Documents

• Application Eligibility
  • Women
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

An interest bearing Current Account suited for business executives, entrepreneurs and self-employed

Benefits

• Enjoy Great Interest Rates on balances of GHS10K and above
• Get 24/7 access to your account through online and mobile banking
• Enjoy Zero monthly service fees by placing balance of GHS10K and above

Features

• Enjoy a wide range of Visa Card products that allow for point of sale (POS) and online transactions worldwide.
• Fixed monthly fees and discounted transfer fees when you use our online and mobile banking platforms. T&C apply.
• You get a cheque book with this account.
• Initial account opening balance of GHS1,000 and interest is paid on balances above GHS10,000.

Eligibility & Documents

• Application Eligibility
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph